No. Financing the purchase of an ENERGY STAR certified home is similar to financing the purchase of a non-certified home. If you prefer, you can continue to work with lenders where you have established relationships. An Energy Efficient Mortgage (EEM) is a mortgage that credits a home's energy efficiency in the mortgage itself. EEMs give borrowers the opportunity to finance cost-effective, energy-saving measures as part of a single mortgage and stretch debt-to-income qualifying ratios on loans thereby allowing borrowers to qualify for a larger loan amount and a better, more energy-efficient home.Consider energy efficient mortgages (EEMs) as tools that can be used as solutions for homebuyers with borderline qualifications, such as the buyer that doesn't quite qualify. Any bank can write energy efficient mortgages. Visit the ENERGY STAR website for additional information about EEMs.